How long does it usually take for a bank mortgage loan to be completed?
You can pay within one month's working day.
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (text required)
The maximum loanable amount is as follows:
Where commercial housing is used as collateral, the maximum loan/credit line shall not exceed 70% of the present value of real estate appraisal.
Where commercial housing is used as collateral, the maximum loan/credit line shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal.
The loan/credit line shall not exceed 50% of the transaction price of the purchased commercial house and 55% of the transaction price of the purchased commercial and residential dual-use house.
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The specific loan amount is determined by the local personal loan department according to the actual use.
If it is a loan from China Merchants Bank, if you submit complete application materials, the approval time of our loan is about 15 working days, because it involves evaluation, mortgage registration and other links, and each customer's situation will be different; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.
How much can a bank mortgage loan generally get?
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be verified by the handling bank after you apply for the loan, and can only be determined after the loan is approved.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
How long does it take for Shenzhen Bank to lend a mortgage?
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
When does the bank mortgage usually come down?
Regular bank loans take about 30 days, and people can make money the next day. I am here in Shanghai.
How long does it take for China Bank to mortgage a house?
If you apply for a personal mortgage loan in China Bank with the real estate license as collateral, the loan period can be divided into online period and single loan period:1; Time limit of personal mortgage consumer loan: if the house is mortgaged, the longest period shall not exceed 30 years; If the commercial house is mortgaged, the longest period shall not exceed 10 years. The sum of the quota period and the construction period shall not exceed 30 years, and shall not exceed the remaining service life of the construction land occupied by the collateral. If the borrower applies for a credit line through multiple collateral combinations, the validity period of the credit line that a single collateral can apply for is the shortest. 2. Personal housing mortgage consumer loans. The single term housing mortgage shall not exceed 65,438+00 years, and the commercial housing mortgage shall not exceed 5 years. And shall not exceed the term of the remaining right to use the construction land within the scope occupied by the collateral, and shall not exceed the expiration date of the quota. The maturity date of the loan is generally not later than the date when the borrower retires/stops production and business activities. When the loan expires, the borrower shall not be over 65 years old. For customers who meet our private banking and wealth management standards, the age may be appropriately relaxed to 70 years old. 3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.
Bank of China online customer service:: 95566. BOC/ZIM/
Mobile Banking Download: Bank of China. /ebanking/service/cs 1/20 1009/t 20 10092 1 _ 1 1946。
Online loan application: ebsnew.boc./boc15/loginpreloan. locale = zhv = 20 1805 180204056 13
National student loan:: ebsnew.boc./boc15/studentloan. ? locale = zhv = 20 1805 180204056 13
Online credit card application: Bank of China. /ebanking/online/20 13 10/t 20 13 1024 _ 2567848。
How long does it take for Industrial Bank to cancel the mortgage?
Basic conditions of housing mortgage loan:
1. The borrower has a set of private property houses with large property rights in Tianjin, and the property rights are clear and definite;
2. Housing types include individual houses, shops, apartments, villas, affordable housing, etc.;
3. The loan is mainly used for personal car purchase, decoration, travel, going abroad and purchasing furniture.
4. The borrower must be at least 18 years old, and the loan period of the borrower's age is no more than 65 years old;
5. The basic requirement of housing area is more than 40 square meters, and the house age is 30 years;
6. If the property is mortgaged or mortgaged, you can directly apply for two mortgage without paying the final payment;
7. Households under the names of parents and relatives can also apply for mortgage loans, as long as the property owner agrees;
8. If the property owner is too old, it can be handled in the form of a tripartite mortgage loan;
9. If the personal credit information is not satisfied within the time limit, the black household can successfully handle it;
Amount, term and interest rate of mortgage loan:
1. The maximum amount of personal housing mortgage loan is 70% of the total housing value;
2. Processing period 10 -30 years, which can be freely selected;
3. The mortgage interest rate is 4.9% per annum;
4. The handling area includes the six districts of Tianjin and its surrounding areas!
5. There is no charge in the early stage of processing, no charge for the original, and then charge after the processing is successful!
Requirements specified in the housing mortgage loan conditions:
1. The mortgage loan requires the service life of the house to be within 20 years;
2. The housing area should be more than 60 square meters;
3. The house should have strong mobility;
4. The mortgage loan amount is 70% of the appraised value of the house;
5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years;
6. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China;
7. "The borrower's age" is generally not more than 60 years old.
How long does it take for China Construction Bank to handle mortgage loan?
The mortgage loan takes 1-2 months.
Because the construction Committee has to make an appointment in advance,
The mortgage loan process is as follows:
1. application
The borrower applies for a loan from the bank and prepares the loan information as required.
Step 2 Submit information
Submit loan information to the bank, including my valid ID card, income certificate, work certificate, real estate license, etc.
3. Housing assessment
The appraisal company designated by the bank conducts on-the-spot investigation and appraisal of the mortgaged house.
4. Submit the evaluation report
Appraisal companies submit appraisal reports to banks.
5. Sign a loan contract
If the borrower's qualification and mortgaged house meet the loan requirements, both parties shall sign a loan contract.
6. Bank audit
The bank will review the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will make a verification call for review.
7. The next batch of loan letters from the bank
After the approval, the bank will issue a loan letter to confirm that the loan can be made.
8. Mortgage registration
The bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract.
9. About branch lines
The branch company applied to the head office for quota.
10, bank loan
After all the formalities are completed, the bank can issue loans to borrowers.
Loan process:
1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;
2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;
3. The bank examines and approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
How long can the Agricultural Bank mortgage loan come down? underate
Hello, can a 52-year-old building be mortgaged with real estate? The actual area is 30 square meters plus 80 square meters. Do you want the original photo or a copy? Thank you.
How long does it take China Agricultural Bank to get a mortgage loan, and how long does it take me to get a mortgage loan now?
It takes 22-25 working days for mortgage lending.
Process of handling real estate mortgage loan:
The borrower opens a current deposit account in the bank;
Information required for preparing loans;
Go to the designated institution of the bank to evaluate the real estate;
The bank is in front;
Bank filing and approval;
Approve the next batch of loan letters;
Go to the local construction Committee for mortgage registration, and the construction Committee will issue his right certificate;
About the number of branches;
Bank loans;
Post-loan review of banks;
The borrower repays the principal and interest.
How long does it usually take for real estate mortgage loan?
It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.
Extended information:
1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.
2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
How long does it usually take for a house mortgage to be approved?
1. If the lender makes a real estate mortgage loan in the bank, it usually takes about 15-20 working days to get off. However, if the lender has the assistance of a guarantee company, the approval time may be faster. The specific lending time is subject to the actual processing time of the bank.
2. If the lender mortgages the property in a non-financial institution, it usually takes two or three days to issue the loan. The specific lending time shall be subject to the actual processing time of the lending institution.
How to choose the right bank mortgage loan
1. Compare loan terms.
For mortgage loans, banks should not only see whether the house meets the requirements, but also have more requirements for the qualifications of borrowers, such as credit status and personal income. Applying for a mortgage loan in a loan company mainly depends on the value and liquidity of the house. Borrowers with poor credit status and liabilities can generally borrow from loan companies as long as they can provide qualified houses for mortgage.
2. Compare loan interest rates.
Compared with credit loans, mortgage loans are less risky because there is a house as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different. Specifically, different regions and different banks will be different. Even if it is the same bank, the loan interest rate in different regions will be different.
3. Compare the approval speed.
Mortgage banks have many procedures and slow approval. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.
4. Compare the loan amount
Generally speaking, the maximum amount of mortgage bank loans is related to the assessed value, and the maximum amount cannot exceed 70%. This is true of banks and companies. In the actual examination and approval, the loan company is relatively loose. For the same borrower, the amount approved by the bank may not be as high as that of the loan company.
Which houses cannot be mortgaged?
1, schools, kindergartens, hospitals and other public facilities for the purpose of public welfare, whether belonging to institutions, social organizations or individuals, shall not be mortgaged.
2. Small property houses only have the right to use, and there is no ownership granted by the real estate license. Banks naturally don't accept mortgages.
3. A house with outstanding loans.
Many banks don't lend to second-hand houses with an average age of more than 20 years but less than 50 square meters.
Houses under 5.5 years old are not allowed to be listed and traded, and banks cannot obtain other rights certificates and apply for mortgage loans.
6. Some public houses can't provide the purchase contract or agreement, or the listing certificate of the central production house, so they can't make mortgage loans.
7. Buildings listed in cultural relics protection shall not be mortgaged.
8. Illegal building. Illegal buildings or temporary buildings cannot be used for mortgage.
Houses with disputed ownership and houses sealed up, detained, supervised or restricted in other forms according to law shall not be mortgaged.
10.
How long can a mortgage loan be released?
Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. If the submitted application materials are complete, the approval will take about 15 working days. The specific lending time, processing progress and other related information of the loan need to be directly contacted with the handling outlets or loan account managers for confirmation.
Loan process:
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
Extended data:
Loan terms:
1, with legal status;
2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;
3. There is a legal and effective purchase contract;
4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
5. The mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;
6. Being able to provide effective guarantee recognized by the loan bank;
7. Other conditions stipulated by the lending bank.